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Building your dream home, buying land, or planning a major renovation?

We're here to help you navigate the unique process of construction loans. With access to a wide range of lenders, we’ll find a loan tailored to your needs, so you can focus on bringing your vision to life.

Why use a broker for your construction or renovation loan?

We offer access to multiple lenders, personalised advice, and a streamlined process to make your construction journey stress-free.

A construction loan is a specialised type of home loan designed for building or major renovations. Funds are released in stages as construction progresses rather than as a lump sum upfront.

Unlike regular home loans where you receive a lump sum at settlement, a construction loan releases funds in stages as your project progresses. This means you’re only paying interest on what you’ve drawn down, not the full loan amount. Once your project is complete, your loan transitions to the variable or fixed rate you selected, ensuring a seamless process from start to finish.

During the construction phase, you only pay interest on the amount drawn down, not the full loan amount. This helps keep costs manageable while your project is underway.

Once construction is finished, the loan typically transitions to the variable or fixed rate you selected at application, with full repayments beginning on the total loan amount.

Yes, construction loans can be used for major renovations as well as building new homes or purchasing land to build on.
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Adrian
Adrian Busso
Finance & Mortgage Broker

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0405 795 795
50 Little Malop St
Geelong VIC 3220
Z3 CONCEPTS PTY LTD trading as The Loan Book (ABN 63169044688) with Credit Representative Number 529386 is a Credit Representative of Australian Credit Licence 389328.
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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  • 50 Little Malop St Geelong VIC 3220